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In the United States, AppleCare+ with Theft and Loss can cover an eligible iPhone, iPad, or Apple Watch that is stolen or lost, subject to the terms for the device, state, and purchase date. Apple requires Find My to have been enabled when the device went missing and to remain enabled during the claim, with the device still associated with your Apple Account. Apple lists theft-or-loss deductibles of $149 for iPhone, $129 for iPad, and $119 for Apple Watch.
What AppleCare+ with Theft and Loss covers
The plan combines AppleCare+ service-contract benefits with separate insurance for theft and loss. Apple describes the service benefits as including technical support, battery depletion coverage, and accidental-damage coverage; the applicable contract and certificate determine the exact terms for your device and purchase.
Apple says the plan allows up to two theft-or-loss claims in every 12-month period. This limit applies to theft and loss, not to accidental-damage claims. Apple’s current US program disclosure describes unlimited accidental-damage claims while the plan is active, subject to service fees.
Do not assume accessories are included in a theft-or-loss replacement. Apple’s 2026 US disclosure says Apple Pencil and keyboard input devices are not replaced as part of an iPad theft-or-loss claim. Apple Watch band coverage is limited and conditional; check the certificate for your plan before counting on it.
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Deductibles and accidental-damage fees
Apple’s current US fees page lists these theft-or-loss deductibles:
| Covered device | Theft-or-loss deductible |
|---|---|
| iPhone | $149 (Apple US fees page, accessed 2026) |
| iPad | $129 (Apple US fees page, accessed 2026) |
| Apple Watch | $119 (Apple US fees page, accessed 2026) |
For iPhone accidental damage, Apple’s US program disclosure dated March 2, 2026 lists a $29 service fee for screen or back-glass damage and $99 for other accidental damage. These are separate from the $149 theft-or-loss deductible. Fees and service terms can depend on the model and plan documents, so check the terms applicable to your device.
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Find My is required for a theft-or-loss claim
Apple’s US program disclosure says: “For your lost or stolen claim to be eligible for coverage, Find My must be enabled at the time the device is lost or stolen.” Apple’s disclosure also requires Find My to stay enabled throughout the claim and the device to remain associated with your Apple Account. Location sharing by itself is not the same as meeting the stated Find My requirement.
If your device is missing, avoid erasing it or removing it from your Apple Account unless Apple or the claim process tells you to. Those actions could conflict with the account and Find My conditions for eligibility.
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How to start a claim
- Go to My Support. Apple’s current consumer plan page directs customers with a lost or stolen iPhone, iPad, or Apple Watch to begin a claim through My Support.
- Follow the claim instructions. Keep Find My enabled and the device associated with your Apple Account during the claim, as Apple’s US disclosure requires.
- Check your certificate. The applicable state and purchase-date terms govern eligibility, exclusions, and the claim process for your plan.
Your state and purchase date determine which terms apply
Apple’s current terms selector covers plans purchased on or after July 14, 2026; plans bought earlier are directed to archived terms. Apple also tells customers to select terms based on where the plan was purchased: use the Apple Retail store’s state for an in-store purchase, the billing-address state for an online or on-device purchase, and the pickup-store state for an online order collected in store.
Use Apple’s AppleCare+ Theft and Loss terms selector to find the certificate that matches your purchase. The US fees and conditions described here should not be applied to plans bought in other countries, which have their own pages and insurance terms.
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- 【Never Yellow Crystal Clear】Diamond hard clear back to show off the real color of your iPhone 17, always clear new as day 1
- 【PRODUCT SUPPORT】Any product issues please contact us for a replacement. Installation: install the front cover with Phone - install the back cover from the bottom-clos the camera control cover; Removal: open the camera control cover-press the bottom cover from the bottom to separate the case
Check the full cost before relying on the plan
The deductible is only one part of the cost. The monthly or upfront plan price depends on the device and purchase options, and a universal current price is not established here. Check Apple’s quote for your exact device, location, and payment term, then compare the premium with the deductible and the two-claim limit. Do not confuse AppleCare+ with Theft and Loss claim limits with the separate limits of Apple’s AppleCare One alternative.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
